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HOME   >  CORPORATE INFO > PROFIT & LOSS
Profit & Loss      
GIC Housing Finance Ltd.
BSE Code 511676
ISIN Demat INE289B01019
Book Value 370.94
NSE Code GICHSGFIN
Dividend Yield % 2.71
Market Cap 8933.89
P/E 6.29
EPS 26.37
Face Value 10  
(Rs. in Millions)
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
INCOME :          
Operating Income10789.10  10571.60  11149.00  11497.80  12306.50  
     Sale of Shares / Units          
     Interest income10492.60  10427.20  10986.30  11353.20  12188.40  
     Portfolio management services          
     Dividend income1.50  1.30  1.30  1.30    
     Brokerages & commissions21.20  18.20  14.60  10.30  8.90  
     Processing fees and other charges33.70  33.40  38.30  42.50  11.60  
     Other Operating Income240.10  91.50  108.50  90.50  97.60  
Operating Income (Net)10789.10  10571.60  11149.00  11497.80  12306.50  
EXPENDITURE :          
Increase/Decrease in Stock          
Employee Cost702.30  634.20  598.90  482.00  434.60  
     Salaries, Wages & Bonus508.40  480.70  441.00  347.60  305.60  
     Workmen and Staff Welfare Expenses67.70  53.80  46.70  59.20  61.60  
     Other Employees Cost53.80  48.60  59.70  32.90  35.80  
Operating & Establishment Expenses198.10  158.00  138.40  114.60  169.40  
     Depository Charges          
     Security Transaction tax          
     Software & Technical expenses42.10  4.60        
     Commission, Brokerage & Discounts          
     Rent , Rates & Taxes25.80  16.00  7.80  5.20  42.80  
     Repairs and Maintenance95.20  92.00  79.00  70.00  60.30  
     Insurance26.30  37.30  43.50  33.10  59.90  
     Electricity & Power8.70  8.10  8.10  6.30  6.40  
     Other Operating Expenses0.00  0.00  0.00  0.00  0.00  
Administrations & Other Expenses362.80  360.80  292.80  225.70  232.80  
     Printing and stationery8.70  5.20  4.20  3.50  3.70  
     Professional and legal fees304.60  308.50  243.50  178.20  203.60  
     Advertisement & Sales Promotion21.40  19.00  12.20  16.80  4.70  
     Other General Expenses28.10  28.10  32.90  27.20  20.80  
Provisions and Contingencies248.50  247.40  1680.60  1335.10  1935.90  
     Provisions for contingencies          
     Provisions against NPAs      671.90  1194.60  
     Bad debts /advances written off55.40  167.60  1622.80  509.80  655.90  
     Provision for doubtful debts          
     Losson disposal of fixed assets(net)          
     Losson foreign exchange fluctuations          
     Losson sale of non-trade current investments3.10  1.50  1.50  5.80    
     Other Miscellaneous Expenses190.00  78.30  56.30  147.60  85.40  
Less: Expenses Capitalised          
Total Expenditure1511.70  1400.40  2710.70  2157.40  2772.70  
Operating Profit (Excl OI)9277.40  9171.20  8438.30  9340.40  9533.80  
Other Income99.70  125.00  1588.40  66.20  89.00  
     Other Interest Income          
     Other Commission          
     Discounts          
     Profit on sale of Fixed Assets76.80  63.70  42.30  16.60    
     Income from investments2.40  27.10  78.60  18.80  11.70  
     Provision Written Back5.70  34.00  1467.50  30.80  77.30  
     Others14.80  0.20  0.00  0.00  0.00  
Operating Profit9377.10  9296.20  10026.70  9406.60  9622.80  
Interest7032.70  7106.90  7029.30  7015.50  8232.50  
     Loans6216.20  6369.20  6053.00  6363.40  7934.50  
     Deposits          
     Bonds / Debentures796.60  718.10  956.60  632.60  281.70  
     Other Interest19.90  19.60  19.70  19.50  16.30  
Depreciation150.10  150.20  99.40  87.10  44.80  
Profit Before Taxation & Exceptional Items2194.30  2039.10  2898.00  2304.00  1345.50  
Exceptional Income / Expenses-130.60          
Profit Before Tax2063.70  2039.10  2898.00  2304.00  1345.50  
Profit After Tax1601.70  1511.60  2132.00  1735.70  1055.70  
Extra items0.00  0.00  0.00  0.00  0.00  
Minority Interest          
Share of Associate          
Appropriations1866.70  1772.30  2376.00  1959.90  1178.90  
     General Reserve1000.00  935.00  1443.00  958.00  390.00  
     Proposed Equity Dividend          
     Corporate dividend tax          
     Other Appropriation866.70  837.30  933.00  1001.90  788.90  
Equity Dividend %45.00  45.00  45.00  45.00  40.00  
Earnings Per Share30.00  28.00  40.00  32.00  20.00  
Adjusted EPS30.00  28.00  40.00  32.00  20.00  
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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.
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